Abigail Effiong

Internal Control Team

Abigail Effiong

Internal Control Team
Abigail holds a first-class degree in accounting from Evangel University, Ebonyi State. Her commitment to task completion as well as her robust knowledge of accounting has been instrumental to her team’s success.

Egboka Chinonye Jacintha

Internal Control Team

Egboka Chinonye Jacintha

Internal Control Team
Cynthia, a First-Class graduate of the University of Jos, holds a Bachelor of Science degree in Statistics. She possesses strong analytical skills, has high degree of intelligence, initiative and enthusiasm. She is a key member of the financial data analysis team.

Usman Ummsalma Suleiman

Internal Control Team

Usman Ummsalma Suleiman

Internal Control Team
Salma holds a second-class upper degree in Business Administration from the Kaduna State University. She is quick to learn, unafraid of challenges, and has been a key member of the Gemstone Microfinance operational audit team since she joined the company.

Ikpe Jude Godwin

Internal Control Team

Ikpe Jude Godwin

Internal Control Team
Jude is a consummate professional with expertise in agribusiness financing. He attended the Federal University Dutsin-Ma, Katsina state where he graduated with a second-class upper degree in Crop Production and Protection.

Aminu Bello

Head of Credit & Risk

Aminu Bello

Head of Credit & Risk
Aminu is an energetic, creative and self-motivated professional who has developed a mature and responsible approach to any task that he undertakes. His vast hands-on experience in loans, marketing, portfolio management, business development, Credit Risk Management and Recovery has seen him carve a niche for himself in the field of Risk Management. He joined Gemstone in October 2019 as the branch manager of Kaduna operations. For his expertise on credits, he rose to become Head of Credit and Risk after only a few months on the job. There has been an observable difference in the company’s recovery rate since he assumed this position. Aminu holds a Bachelor’s Degree in Management from the Federal University of technology, Yola, and also a Post Graduate Diploma in Management from the Nigerian Defense Academy Kaduna. He has also attended several professional courses on Risk Lending, Loan portfolio Management, Credit Management, and Customer Service management.

Ajayi Paul Femi

Group Head of Operations

Ajayi Paul Femi

Group Head of Operations
Femi is a distinguished professional and currently the Group Head of Operations of Gemstone Microfinance. He brings to the table a vast experience spanning over eleven(11) years and cutting across Commercial and Microfinance Banks. Femi started his banking career with First Bank Nigeria Limited in December 2008, where he quickly developed a passion for banking. Having gained in-depth operational experience in the areas of Customer Service, Cash Administration, Accounts & Clearing and Area Operations, he joined Microvis Microfinance Bank in 2017 as a Business Support manager, where he rose to become the Head of operations for the Bank within the same year for his outstanding achievements. He holds a Diploma in Public Administration from Nuhu Bamalli Polytechnic, Zaria as well as B.Sc. in Public Administration from the University of Abuja. He is a member of the Chartered Institute of Bankers of Nigeria (CIBN) – MCP Femi joined  Gemstone Microfinance in November 2019 as group head of operations. His deep knowledge of banking operations has revolutionized the company’s mode of operations.

Tukur Mohammed

General Manager

Tukur Mohammed

General Manager
Tukur is a foundation staff and currently the general manager of Gemstone Microfinance. He is a results-oriented Microfinance expert with over twelve (12) years of progressive experience covering every facet of microfinancing across several microfinance institutions. Having undergone the rudiments of Microfinance Operations from his early days at Hududullah Microfinance, Tukur cut his teeth in small and medium enterprises’ financing as the years progressed. His expertise and leadership have been front and center in the rapid growth recorded by Gemstone Microfinance over the past two years. Tukur is a Kings College Lagos old boy, and an alumnus of the Federal University of Technology Yola, where he bagged a B.Sc. degree in Economics. He is a member of the Chartered Institute of Loan and Risk management of Nigeria, and has attended several professional courses covering Frontline leadership, Lending in an Uncertain Economy, Loan portfolio Development, Credit Portfolio Management, and Customer Service Excellence just to name a few.

Joseph Ojiezele

Chief Executive Officer

Joseph Ojiezele

Chief Executive Officer
Joseph is the founder and Chief Executive Officer of Gemstone Microfinance. He has led the organization since it was established in May 2019 to extend over N500 Million in credit facilities to individuals and SMEs in the thriving agricultural sector. Joseph, an alumnus of the University of Louisiana at Lafayette, United States, holds an M.Sc. degree in Petroleum Engineering with Distinction. He was also the Best Graduating Student of the Department of Electronic and Electrical Engineering at the University of Sunderland, England, United Kingdom, where he bagged a B.Sc. degree with a first class. With over 15 years unparalleled global experience in the agriculture, engineering, and finance industries, he has garnered deep expertise, exposure and the skill-set needed to steer the ship of a financial institution. He is a consummate financial management professional with extensive foreign and local exposure. His wealth of knowledge continues to prove strategic and invaluable for Gemstone Microfinance.